I did the same thing like what bearbear did. Money saved is the "real amount" of money earned. Whenever I have extra cash, i will put in FD online. If there is any investment, then i will take out those just matured FD and transfer online.

Banks that offer online FD (can deposit and withdraw)
CIMB, Maybank
? OCBC

Banks that's not (either you cannot deposit or can deposit but cannot withdraw online)
Hong leong, Public bank